Principal Python Engineer Card Services Technology || Jersey City, NJ (Onsite 5 Days/Week)

Job Title: Principal Python Engineer Card Services Technology

Location: Jersey City, NJ (Onsite 5 Days/Week)

Duration: Long-Term Contract

Important Notes

• No relocation candidates.
• Strong preference for candidates with stable work history and long-term projects.
• Recent Banking and Credit Card Processing experience is mandatory.
• Excellent communication skills required.

Job Overview

We are seeking a Principal Python Engineer to join a leading Card Services Technology team supporting large-scale credit and debit card processing platforms. This role will focus on designing and building highly scalable Python-based microservices and APIs that integrate with major payment networks including Visa, Mastercard, and PIN debit networks.

The ideal candidate will have deep expertise in card processing systems, payment authorization, clearing and settlement workflows, and distributed application architecture.

Required Skills

• 10+ years of software engineering experience
• Strong hands-on experience with Python development
• Expertise with FastAPI, asyncio, Pydantic, SQLAlchemy, and pytest
• Experience designing and developing Python microservices and APIs
• Strong background in microservices, event-driven architecture, Domain-Driven Design (DDD), and distributed systems
• Experience with Kafka or similar messaging technologies
• Strong database experience with PostgreSQL, Oracle, or Redis
• Experience with Kubernetes, Docker, CI/CD, and cloud platforms

Payment/Card Processing Experience (Must Have)

• Experience integrating with Visa, Mastercard, and debit networks such as Interlink, Pulse, NYCE, and STAR
• Strong understanding of card authorization flows
• Experience working with ISO 8583 messaging
• Knowledge of clearing, settlement, chargebacks, disputes, and fraud processing
• Experience supporting credit card processing platforms in banking environments

Responsibilities

• Architect and develop Python microservices and APIs for card processing platforms
• Lead application design across authorization, clearing, settlement, fraud, and dispute domains
• Define API contracts, event schemas, and data models
• Drive modernization of legacy payment systems into scalable service-oriented architectures
• Establish engineering standards, testing strategies, observability, and CI/CD best practices
• Lead architecture reviews and technical design discussions
• Build reusable frameworks, libraries, and SDKs
• Mentor senior engineers and provide technical leadership across teams

Preferred Qualifications

• Visa or Mastercard certification experience
• Experience with EMVCo tokenization, 3-D Secure, or digital wallets
• AWS, Azure, or Google Cloud Platform cloud experience
• Experience modernizing legacy payment platforms
• Experience creating enterprise architecture standards and technical RFCs

Technology Stack

Python, FastAPI, Pydantic, SQLAlchemy, Celery, Kafka, PostgreSQL, Oracle, Redis, Kubernetes, Docker, AWS, Terraform, GitHub Actions, Splunk, Dynatrace